Call reports 2015
MERRIMACK COUNTY SAVINGS BANK — 2015
What MERRIMACK COUNTY SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 704,383,000 | 705,676,000 | 718,848,000 | 729,829,000 |
| Total loans | 552,335,000 | 551,798,000 | 554,035,000 | 570,517,000 |
| Allowance for loan losses | 2,099,000 | 2,347,000 | 2,582,000 | 2,986,000 |
| Securities available for sale | 92,044,000 | 94,021,000 | 91,242,000 | 89,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 526,391,000 | 522,770,000 | 544,778,000 | 557,718,000 |
| Interest-bearing deposits | 502,510,000 | 497,584,000 | 516,747,000 | 527,995,000 |
| Noninterest-bearing deposits | 23,881,000 | 25,186,000 | 28,031,000 | 29,723,000 |
| Equity capital | 74,802,000 | 74,819,000 | 75,870,000 | 75,702,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,158,000 | 12,281,000 | 18,510,000 | 24,773,000 |
| Interest expense | 467,000 | 932,000 | 1,393,000 | 1,903,000 |
| Net interest income | 5,691,000 | 11,349,000 | 17,117,000 | 22,870,000 |
| Noninterest income | 1,322,000 | 4,751,000 | 5,686,000 | 6,541,000 |
| Noninterest expense | 5,667,000 | 10,796,000 | 16,100,000 | 21,647,000 |
| Provision for loan losses | 86,000 | 343,000 | 594,000 | 1,061,000 |
| Pretax income | 1,289,000 | 4,990,000 | 6,114,000 | 6,724,000 |
| Income tax | 413,000 | 1,814,000 | 2,175,000 | 2,277,000 |
| Net income | 876,000 | 3,176,000 | 3,939,000 | 4,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,084,000 | 70,581,000 | 71,327,000 | 71,761,000 |
| Total capital | 72,353,000 | 73,076,000 | 74,080,000 | 74,954,000 |
| Risk-weighted assets | 531,479,000 | 544,247,000 | 553,725,000 | 517,327,000 |